Thanks for all your confirmation.

i checked my transaction today and found out few weird cash back then cash back rev...
and just called up cs and they said its system error and they are rectifying...
ask me to wait for statement come out...

called up CS to get AF waived......but couldn't. Damn..Shall I threaten to cancel CC then?

This is normal for HLB's online service, always crashed on the end of month

You may do so and lost your 8.25% of cash back.
They will be more happy if you were to cancel it, if you are a prompt payer and only spend rm990-1000 a month

Signed up for this card at the Big Bad Wolf 24 hours sale recently and only after receiving the card, I gave the customer service a call and felt that the sales agent was not entirely truthful about the whole thing.

1. The sales agent mentioned that Annual Fees can be waived yearly. Not true. The fact is they only waive for the first year and next year they charge with no possible chance of waiver. They told me since they give up to RM100 per month cash back there was no way to waive annual fees already. For platinum holders, RM300 is steep.

2. You only get 10% cash back when you swipe 10x in a month of RM50 and above per transaction in your selected category. Again, the sales person failed to tell me that there is a minimum of 10x swipes. This is not a deal breaker though coz everytime I pump a full tank it already exceeds RM100 so it just means breaking down petrol bills to RM50 per visit. More visits to the petrol station is OK, I guess.

3. This is the deal breaker for me. Although I signed up for the Wise card, the sales agent also took the liberty to send me HLB's GSC card without my consent, which I didn't apply for and didn't request. I don't see a need for this card so I called the CS to cancel it and he says I can't do it because it was a combo card deal. Meaning I will have to cancel both cards if I didn't want the GSC card. First time I come across such nonsense.

Maybe it's my fault for not getting more details from the sales agent, but I signed up in a very packed book sale in the middle of the night so I wanted to get things moving fast. This was my first experience applying a credit card with HLB and will be my last.

I will cancel both cards after New Year's Day.

This post has been edited by attw: Dec 30 2014, 12:29 PM

Must cancel the Wise Plat.
Annual fee is high

Annual fee is expensive if you not gain full ebate RM100 every month.

Another case count.

What i do always is cross my ic with stated 'For application of XXX Gold/Platinum Card only' instead of 'For XXBank Credit card'

Cross and write down for usage for the only card you want.

Just enjoy the 1 year free waiver and rebates. After that can cancel. Who knows maybe HLB will grant free waiver soon as the retention of this card is low

It is a good card for us and for them too coz with card user really need to spend. Maybe with the carry forward amount of many users they can make enough profit also the merchant charges.

that's the vulnerability I see from our application process via agent - you may sign what you see on the form, but at the end of the day, the agent who is more interested in their monthly quota can actually tick extra card for you after you have left.

Can you make a dispute with the CS about how the agent has tricked you into this against your will?

I always cross [FOR XXXX BANK USE ONLY]

The way you write the agent can tick 2 or 3 card in one application form for you. Or even worst apply personal loan and credit it to your bank account also can.

Should write [For HLB WISE CARD (GOLD) Application Only]. I don't think the officer still can approve other card beside wise gold if submit this IC copy.

This post has been edited by 3M_Bangsar: Dec 30 2014, 02:24 PM

Yes, they photocopied my IC and the agent said he needed to cross my IC in front of me, which he duly did and wrote FOR HLB CREDIT CARD APPLICATION ONLY

Didn't for a second think that he would apply for a second one without my consent. Now that I will cancel both, I hope he doesn't get his commission or whatever incentive for being too greedy.

No need to dispute kua.. just straight cancel and give the reason agent provided false information.

The agent only want to make rm100 from, nothing more, nothing less.
ANd there's more precaution you need to take on this card also, is not that simple as ABC.

That's why I applied it from branch, the officer are more honest telling me the T&C.

Indeed so, and to make it clear, you can only spend rm990-1000, more or less than that, it will bring down the effective cash back.

HLB are quite bad on this, like they are passing my info(only have credit card account with HLB) to HLA. So crossing or not, it does not really help, at least for HL group.

They are hoping card holders to spend more but I only spend rm990-1000, so they are losing money. Have to know that, admin fees for Visa are 1-3% and HLB are giving us 8.25%.

I accidentally spent RM985.73 last month and it brought up the effective cash back to 10.14%.

That's good. This month I only spend on groceries and petrol, so is rm992
But after I sell the Milo out, it is about 10% also
This is something the card center won't tell

so tokkong to sell milo out

My average spending only got rm600-700, so need to compensate them

wow, just rm0.73 extra to fully maximise it!